Private & Hard Money Lenders in Pima County, AZ
11 lenders funded 61 short-term investment-property loans in Pima County in 2024 at a median rate of 11.95%. Ranked by verified loan volume — not paid placement.
Pima County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 40 | 11.95% | 20 |
| 2 | Genesis Capital, LLC | 7 | 8.70% | — |
| 3 | VAL-CHRIS INVESTMENTS INC. | 5 | 13.99% | — |
| 4 | Merchants Mortgage & Trust Corporation | 2 | — | — |
| 5 | LendingOne LLC | 1 | — | 15 |
| 6 | Pacific Premier Bank | 1 | — | 1 |
| 7 | WELLS FARGO BANK NA | 1 | — | 1 |
| 8 | BOKF NA | 1 | — | — |
| 9 | Cadence Bank | 1 | — | — |
| 10 | Easy Street Capital LLC | 1 | — | — |
| 11 | LIMA ONE CAPITAL, LLC | 1 | — | — |
DSCR / long-term rental lenders in Pima County
These lenders reported only longer-term (>36 month) business-purpose rental loans here in 2024— a different product from hard money, listed separately so the two aren't conflated.
Frequently asked questions
11 lenders reported short-term, business-purpose investment loans in Pima County in 2024 verified lending records — 61 loans totaling $49.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Pima County's active lenders was 11.95% in 2024, with per-lender medians ranging from 8.70% to 13.99%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.
Verified public lending records for 2024. We count originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products hard money lenders make. Rankings reflect verified loan counts, never paid placement.